The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
1 Comment Already. It is a difficult calcuation. The computer really computes this stuff. What happens if if there is any cash value and divdends in the policy, the money is used to buy a paid up policy with a reduced death benefit and no further premiums need to be paid.